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Liquor Liability Coverage for School Parent Groups

Liquor Liability Coverage FAQs for School Parent Groups

How to reduce liquor liability exposure at community events.


With the return of in-person events comes certain responsibilities that were on hold while the world went virtual. People are eager to socialize and get back to normalcy—and as exciting as that might be, it also comes with inherent risks for parent groups that are organizing community events.

Before planning your next casino night fundraiser, adults-only auction, or other event where alcohol is served, it’s important to consider the pros and cons of serving alcohol. Read on to learn what leaders need to know about liquor liability insurance, along with helpful tips to reduce your risk and ensure a safe and successful event.

What Is Liquor Liability Insurance?

Liquor liability insurance is a type of coverage that can be added to your PTO Today insurance policy when your group is hosting an event serving alcohol. There are several factors involved to determine the coverage you need for an event with alcohol. To make sure that you’re protected, contact our Leader Support team with questions or complete the Liquor Liability Request Form. In some cases, it might turn out that your existing policy provides adequate protection.

Once you’ve determined the type of additional coverage needed and purchased it, you and your group will be protected from the costs associated with injuries or damage caused by an intoxicated person who was served liquor at your event.

It’s crucial to remember that not all community events can be covered, which is why we always recommend reviewing the details of your event with a member of our Leader Support team before you start planning. If you have a PTO Today insurance policy, visit the PTO Today Insurance FAQs for a full list of the events we cover.

Risk-Reduction Tips for Groups Serving Alcohol at an Event

  • Limit the number of drinks. (The carrier states that no more than 1 drink per hour should be served.)

  • Have food, water, and other nonalcoholic beverages available at all times during the event.

  • Ensure proper training for serving alcohol and to prevent overserving event attendees.

  • Always check IDs and have those of legal age wear nontransferable wristbands.

  • Limit or eliminate alcohol sponsorship to avoid the impression that alcohol is a main draw of your event.

  • Hang signs about liquor laws (including about underage drinking and overconsumption).

  • Stop serving alcohol at least one hour before the event ends.

  • Have plans for transporting inebriated guests.

For more information on parent group insurance including liquor liability insurance, This email address is being protected from spambots. You need JavaScript enabled to view it. or visit PTOtoday.com/insurance.

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